Call reports 2001
EMBRY BANK — 2001
What EMBRY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 101,754,000 | 98,125,000 | 102,185,000 | 110,972,000 |
| Total loans | 55,041,000 | 55,360,000 | 57,805,000 | 64,213,000 |
| Allowance for loan losses | 1,674,000 | 1,678,000 | 1,677,000 | 1,681,000 |
| Securities available for sale | 0 | 0 | 0 | 2,631,000 |
| Securities held to maturity | 19,444,000 | 23,437,000 | 18,932,000 | 20,924,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,910,000 | 87,387,000 | 91,575,000 | 100,934,000 |
| Interest-bearing deposits | 74,506,000 | 70,339,000 | 74,459,000 | 82,055,000 |
| Noninterest-bearing deposits | 17,404,000 | 17,048,000 | 17,116,000 | 18,879,000 |
| Equity capital | 9,421,000 | 9,381,000 | 9,319,000 | 8,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,530,000 | 5,146,000 | 6,680,000 |
| Interest expense | 810,000 | 1,586,000 | 2,270,000 | 2,837,000 |
| Net interest income | 991,000 | 1,944,000 | 2,876,000 | 3,843,000 |
| Noninterest income | 27,000 | 64,000 | 101,000 | -129,000 |
| Noninterest expense | 1,041,000 | 2,070,000 | 3,102,000 | 4,106,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | -38,000 | -77,000 | -140,000 | -407,000 |
| Income tax | 518,000 | 518,000 | 518,000 | 518,000 |
| Net income | -556,000 | -595,000 | -658,000 | -925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,421,000 | 9,381,000 | 9,319,000 | 9,001,000 |
| Total capital | 10,265,000 | 10,299,000 | 10,280,000 | 10,066,000 |
| Risk-weighted assets | 66,723,000 | 72,665,000 | 76,127,000 | 87,842,000 |